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Owner-customer interests guide all OP Financial Group’s operations

Have you ever thought of what it actually means to be a bank’s owner-customer? The logic behind owner-customer membership can be described, for example, by comparing it with holding shares in a public limited company. Ownership in a cooperative is linked to the role as a customer, not as an investor.

The aim of owner-customer membership is to make every household engage in collective development while providing them with information on issues in their neighbourhood.

  Cooperative Limited liability company
Who owns the company? Owner-customers Shareholders
Who holds the decision-making power? Each member has one vote Voting rights vary depending on the number of shares owned
How are profits distributed? To owner-customers based on the use of services To shareholders based on shareholdings
What is the purpose of operations? Providing services to members of the cooperative Profit maximisation